Fees

Visa credit card annual fee - $40 The annual fee is payable from funding and its debited from the credit card account each anniversary.

Late payment - $25 charged 7 days after a loan repayment is not met, and again at 14 days (if applicable).

International conversion fee – 3% of transaction value in $AUD. This is payable when you use your Visa card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia.

Overseas and domestic transactions available when the credit option is selected.

Please note that Visa's Zero Liability policy covers Australian and New Zealand-issued cards, but does not apply to ATM transactions not processed by Visa or certain commercial card transactions. Cardholders should notify Community First Credit Union promptly of any unauthorised Visa use.

Lost or Stolen Cards

If your card is lost or stolen, contact Community First Credit Union immediately on:

Eligibility

Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years

Have been in your current job longer than 6 months

What you may need to apply:

Your personal details, such as your current and previous address, phone number and email address

Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

Verified by Visa

Community First Credit Union provides Verified by Visa as an easy-to-use fraud prevention program that confirms your identity when you shop online with any participating online merchant.

All existing and new Visa cards are automatically registered, joining more than 355 million Visa cardholders, for this free service.

Throughout the world a growing number of merchants, currently more than 200,000, are offering Verified by Visa. Look for the symbol as a sign these merchants value your business and your security.

Each time you make an online purchase with a participating merchant, the Verified by Visa program assesses the risk level of the transaction. Certain activity may seem out of the ordinary – maybe because it’s a high dollar value transaction, or a retailer you’ve never bought with before. In these instances you may be asked to confirm some simple personal details – like date of birth, mother's maiden name or address details – so we can be sure the card isn't be used without your permission. Your privacy is our priority – this information is used only to verify your identity. If you have any questions about Verified by Visa visit the Verified by Visa website.

Visa credit card annual fee - $40 The annual fee is payable from funding and its debited from the credit card account each anniversary.

Late payment - $25 charged 7 days after a loan repayment is not met, and again at 14 days (if applicable).

International conversion fee – 3% of transaction value in $AUD. This is payable when you use your Visa card for a foreign currency transaction or for an Australian dollar transaction that is with a foreign merchant or that is processed by an entity outside Australia.

Overseas and domestic transactions available when the credit option is selected.

Please note that Visa's Zero Liability policy covers Australian and New Zealand-issued cards, but does not apply to ATM transactions not processed by Visa or certain commercial card transactions. Cardholders should notify Community First Credit Union promptly of any unauthorised Visa use.

Lost or Stolen Cards

If your card is lost or stolen, contact Community First Credit Union immediately on:

Have not had defaults on any Loans, Credit cards, Interest free finance or Store cards in the last 5 years

Have been in your current job longer than 6 months

What you may need to apply:

Your personal details, such as your current and previous address, phone number and email address

Details of your income, employment, any assets (e.g. home, car or savings) and debts (mortgages, loans and credit cards) you currently have.

Self employed

Community First Credit Union is able to offer loans to self employed applicants including home loans, personal loans, credit cards and overdrafts. Find out more here.

Verified by Visa

Community First Credit Union provides Verified by Visa as an easy-to-use fraud prevention program that confirms your identity when you shop online with any participating online merchant.

All existing and new Visa cards are automatically registered, joining more than 355 million Visa cardholders, for this free service.

Throughout the world a growing number of merchants, currently more than 200,000, are offering Verified by Visa. Look for the symbol as a sign these merchants value your business and your security.

Each time you make an online purchase with a participating merchant, the Verified by Visa program assesses the risk level of the transaction. Certain activity may seem out of the ordinary – maybe because it’s a high dollar value transaction, or a retailer you’ve never bought with before. In these instances you may be asked to confirm some simple personal details – like date of birth, mother's maiden name or address details – so we can be sure the card isn't be used without your permission. Your privacy is our priority – this information is used only to verify your identity. If you have any questions about Verified by Visa visit the Verified by Visa website.

McGrath Pink Visa

1 Rates are current as at 22/10/2017 and subject to change without notice. The introductory rate offer commenced 22/10/17. The introductory rate is for 8 months from funding. After the 8 month introductory period the interest rate will revert to the standard credit card rate which is currently 8.99% p.a. on retail purchases, cash advances, and balance transfers. Offer can be withdrawn at anytime without notice. Offer ends 31/3/2018. Community First Credit Union donates $20 to the McGrath Foundation from the annual fee for each McGrath Pink Visa card. The McGrath Foundation raises money to fund McGrath Breast Care Nurses in communities right across Australia and increase breast awareness in young Australians, with a particular emphasis on young women.

To help members achieve their financial goals by building relationships for mutual benefit

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your "personal circumstances"). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.